BUSINESS QUOTES: Build Your Credit with a Card that Fits Your Lifestyle

At the first stage of credit cards many people applied just for their prestige. But then people starting to realize that credit card is a good way to pay, avoiding bringing a lot of cash in hand which is unsecured. Otherwise you still can enjoy the gain of your money till the last second before you used it, because your money will keep staying at your bank account until you pay the credit card bill at due date. One thing should be aware that credit card can also be dangerous and brings you to bankruptcy.

When you get a credit card, it can be very tempting to spending spree buying that you weren't able to before. And that will create big amounts of loan that probably you could not afford. It's difficult, but you must use your credit card wisely by a little planning. Even you have to be wise since before you applied your credit card. That's mean you have to chose the best value of credit cards to your lifestyle.

Most people just consider the facility and prestige on choosing a credit card. Are you?

And what else things to be consider on choosing a credit card? A credit card is a form of borrowing that involves charges include on credit terms and conditions that will affect to your overall cost. So it's wise to compare terms and fees before you agree to open a credit card account.

The important terms to consider that must be disclosed in credit card applications or in solicitations such as;

Annual Percentage Rate
The APR is a measure of the cost of credit, expressed as a yearly rate. There is also Periodic Rate that applied to your outstanding balance to figure the finance charge for each billing period. And the rate may change without prior noticed.
Free Period
Is a period that lets you avoid finance charges by paying your balance in full before the due date. Without a free period, the card issuer may impose a finance charge from the date you use your card or from the date each transaction is posted to your account. If your card includes a free period, the issuer must mail your bill at least 14 days before the due date so you'll have enough time to pay.
Annual Fees
Most issuers charge annual membership or participation fees and the amount of this fee can be various depend on the bank policy and type of credit card such as regular, gold, platinum etc. Issuers can offer no annual fee credit cards for the first year of membership.
Transaction Fees and Other Charges
A card may include other costs. Some issuers charge a fee if you use the card to get a cash advance, make a late payment, or exceed your credit limit. Some charge a monthly fee whether or not you use the card.
Balance Computation Method for the Finance Charge
It's important to know what method the issuer uses to calculate your finance charge. This can make a big difference in how much of a finance charge you'll pay - even if the APR and your buying patterns remain relatively constant.

In addition, don't just pick the lowest rate or minimum charges, but again, choose the best valuable credit card that fits to your lifestyle. Either you want a rewards, low interest or balance transfer credit cards is your choice. Benefits you can get that ever offer by credit card issuers such as;

Low intro APR
Cash-back Bonus
Rewards
Low Interest
No Annual Fee Credit Cards
Balance Transfer Credit Cards
Business Credit Cards
Airline Reward Credit Cards
Gas Reward Credit Cards
Student Credit Cards
Prepaid Credit Cards

Credit cards are very essential part of one's life today. All banks today offer credit cards with various services. The Question is which is the good credit card? Which credit card to choose is totally depends on the card receiver. And it is wise to choose the right credit card for you. But how shall one choose the right credit card for him/his self?
Follow three simple step;